Director and Officer (D&O)

Coverage that protects key executives from personal liability risks.

More Services

Tailored healthcare coverage to keep your team healthy and motivated.

Employee Health Coverage

Group medical insurance is a unified policy provided to organizations, covering eligible employees and their dependents as per company guidelines. This approach contrasts with individual medical coverage, which caters to single persons or families, offering distinct benefits tailored to personal needs.

We appreciate the uniqueness of each client, allowing us to deliver customized and cost-effective solutions. We partner with your HR team to facilitate seamless implementation, ensuring your employees receive the best possible healthcare coverage, which fosters motivation and drives organizational success.

What Does It Cover?

Access to Medical Consultations

Covers consultations without overnight hospital stays, including necessary diagnostic tests like blood tests and X-rays.

Extensive Inpatient Cover

Provides coverage for conditions requiring overnight hospitalisation and minor procedures performed on a day-patient basis.

Tailored Coverage Options

Customize the policy with additional benefits like dental, optical, and therapies such as physiotherapy or acupuncture.

Emergency Medical Cover and Support

24/7 emergency coverage with streamlined enrollment and efficient claims settlement processes.

Comprehensive Pre and Post-Hospitalisation Cover

Covers expenses before and after hospitalisation, including pre-existing and chronic conditions.

Outpatient and Inpatient Treatments

Covers expenses before and after hospitalisation, including pre-existing and chronic conditions.

Extensive Diagnostic Test Coverage

Covers necessary diagnostic tests under the policy terms, ensuring comprehensive healthcare support.

Maternity and Newborn Care

Provides coverage for maternity needs and essential newborn care during and after delivery.

Northern, Protecting You Always

We believe insurance is about trust, clarity, and long-term protection—not confusion or fine print.